ahead of hump days market action is one of those days where it's all about the federal reserve. no big surprise that the federal reserve is due to make its announcement regarding interest rates, rather the concern is about exactly what is its assessment of the economy. well tom, we'll also be watching earnings from the nation's major retailers over the next few days. we're talking macy's, wal-mart, coles, j.c. penney's. we certainly know that consumers, people for the most part are still reluctant to spend that extra cash and these earnings reports from retailers could give us a good glimpse into how consumers are holding up. and we see it early discounting already for the important back-to-school season as we look into the third and fourth quarter. all these retailers are already making plans about the holidays. and we'll have to hear exactly what they're expecting for the end of the year. the troubled asset relief program...otherwise known as "tarp"...is troubled itself, according to a congressional oversight panel. despite its name, none of the $700 billion allocated to it has been used to actually buy troubled assets from banks. withinstead, the money has been used to provide capital to banks in order to shore up their balance sheets while the banks continue to carry those toxic investments.